| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL BARCROFT3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $53K | $53K | 5.81% |
| MCGRIFF INSURANCE SERVICES INC3 | MOORE COUNTY 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.15% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.17% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE NETWORK 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.11% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.21% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $19K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR #1800 STE 300 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $790 | $790 | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 262 | $909K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $87K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $87K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $77K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $77K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.